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The Bank Of Kochi, Ltd. logo

The Bank Of Kochi, Ltd.

8416.T

JPXFinancial ServicesBanks - Regional

Open in GoAI

Latest quote

¥1,144

−¥14.00 · -1.21%

Aug 24, 3:30 PM JST

8416.T company overview

Regular session · JST · Market data may be delayed.

Company profile

Company website

Established in 1930 and headquartered in Kochi, Japan, The Bank Of Kochi, Ltd. operates as a financial institution offering a diverse array of banking products and services across the country. Its comprehensive offerings include various deposit accounts, such as savings and term deposits, alongside a suite of lending solutions like mortgages, education loans, and car financing. Additionally, the bank provides insurance products, investment trust services, and card facilities to its clientele through its network of 72 branches.

Industry
Banks - Regional
Sector
Financial Services
Headquarters
JP
CEO
Katsuhiko Kaiji
Listed since
Mar 1, 2006
Employees
724

Market position

Day range

Current ¥1,144

52-week range

Current ¥1,144

Open
¥1,168
Previous close
¥1,158
Volume
27.5K
0.63× average
Average volume
43.69K
Average daily volume
Market cap
11.6B JPY
Beta
0.51
Market reference 1
50-day average
¥1,187.82
-3.69% below average
200-day average
¥1,103.23
+3.70% above average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value
-13.86B JPY
P/E (TTM)
-37.42×
P/B (TTM)
0.26×
P/S (TTM)
0.41×
EV / EBITDA
-6.31×
Earnings yield
5.73%
Free cash flow yield
83.53%
Dividend yield
2.19%

Profitability & efficiency

Gross margin
77.17%
Operating margin
0.79%
Net margin
-0.88%
Return on equity
1.30%
Return on assets
0.05%
Return on invested capital
0.07%

Financial health

Debt / equity
1.42×
Current ratio
1.25×

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends109%70%31%-7%Gross margin, FY2021: 98.90%Gross margin, FY2022: 98.85%Gross margin, FY2023: 99.08%Gross margin, FY2024: 96.66%Gross margin, FY2025: 87.64%Operating margin, FY2021: 11.58%Operating margin, FY2022: 11.90%Operating margin, FY2023: 8.88%Operating margin, FY2024: 5.39%Operating margin, FY2025: 4.83%Net margin, FY2021: 7.82%Net margin, FY2022: 7.53%Net margin, FY2023: 5.85%Net margin, FY2024: 3.91%Net margin, FY2025: 2.25%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 98.90%. Gross margin FY2022 98.85%. Gross margin FY2023 99.08%. Gross margin FY2024 96.66%. Gross margin FY2025 87.64%. Operating margin FY2021 11.58%. Operating margin FY2022 11.90%. Operating margin FY2023 8.88%. Operating margin FY2024 5.39%. Operating margin FY2025 4.83%. Net margin FY2021 7.82%. Net margin FY2022 7.53%. Net margin FY2023 5.85%. Net margin FY2024 3.91%. Net margin FY2025 2.25%.

Income trends

Revenue

26.5B JPY+20.36%

Operating income

1.28B JPY+7.93%

Net income

596M JPY-30.70%
Income trends across reported periods29.09B JPY18.73B JPY8.37B JPY−1.99B JPYRevenue, FY2021: 20.53B JPYRevenue, FY2022: 21.25B JPYRevenue, FY2023: 21.4B JPYRevenue, FY2024: 22.02B JPYRevenue, FY2025: 26.5B JPYOperating income, FY2021: 2.38B JPYOperating income, FY2022: 2.53B JPYOperating income, FY2023: 1.9B JPYOperating income, FY2024: 1.19B JPYOperating income, FY2025: 1.28B JPYNet income, FY2021: 1.61B JPYNet income, FY2022: 1.6B JPYNet income, FY2023: 1.25B JPYNet income, FY2024: 860M JPYNet income, FY2025: 596M JPYFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 20.53B JPY. Revenue FY2022 21.25B JPY. Revenue FY2023 21.4B JPY. Revenue FY2024 22.02B JPY. Revenue FY2025 26.5B JPY. Operating income FY2021 2.38B JPY. Operating income FY2022 2.53B JPY. Operating income FY2023 1.9B JPY. Operating income FY2024 1.19B JPY. Operating income FY2025 1.28B JPY. Net income FY2021 1.61B JPY. Net income FY2022 1.6B JPY. Net income FY2023 1.25B JPY. Net income FY2024 860M JPY. Net income FY2025 596M JPY.
Metric (JPY)FY2025FY2024FY2023FY2022FY2021
Revenue26.5B JPY22.02B JPY21.4B JPY21.25B JPY20.53B JPY
Cost of goods sold3.28B JPY736M JPY196M JPY245M JPY226M JPY
Gross profit23.22B JPY21.28B JPY21.2B JPY21.01B JPY20.3B JPY
Selling, general, and administrative6.05B JPY11.87B JPY11.97B JPY11.29B JPY11.25B JPY
Operating expenses21.94B JPY20.09B JPY19.3B JPY18.48B JPY17.92B JPY
Interest income15.67B JPY13.71B JPY13.76B JPY13.62B JPY13.55B JPY
Interest expense2.65B JPY736M JPY196M JPY245M JPY226M JPY
Depreciation and amortization916M JPY931M JPY822M JPY803M JPY833M JPY
Operating income1.28B JPY1.19B JPY1.9B JPY2.53B JPY2.38B JPY
Net income596M JPY860M JPY1.25B JPY1.6B JPY1.61B JPY

Company facts updated Aug 24, 2026.

Earnings

Latest EPS result
-46.54

EPS: actual versus estimate

Recent quarterly results

ActualEstimate
Estimates unavailable
Quarterly EPS actual values compared with estimates44.469.99-24.49-58.96Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26
Q4 2024, reported Nov 12, 2024: actual 11.56, estimate —, surprise —, Comparison unavailable. Q1 2025, reported Feb 10, 2025: actual 37.21, estimate —, surprise —, Comparison unavailable. Q2 2025, reported May 9, 2025: actual -51.83, estimate —, surprise —, Comparison unavailable. Q3 2025, reported Aug 8, 2025: actual 37.33, estimate —, surprise —, Comparison unavailable. Q4 2025, reported Nov 11, 2025: actual -21.59, estimate —, surprise —, Comparison unavailable. Q1 2026, reported Feb 9, 2026: actual 28, estimate —, surprise —, Comparison unavailable. Q2 2026, reported May 11, 2026: actual 3.46, estimate —, surprise —, Comparison unavailable. Q3 2026, reported Aug 7, 2026: actual -46.54, estimate —, surprise —, Comparison unavailable.

Revenue: actual versus estimate

Recent quarterly results

ActualEstimate
Estimates unavailable
Quarterly Revenue actual values compared with estimates8.06B7.1B6.15B5.19BQ4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26
Q4 2024, reported Nov 12, 2024: actual 5.6B JPY, estimate —, surprise —, Comparison unavailable. Q1 2025, reported Feb 10, 2025: actual 5.5B JPY, estimate —, surprise —, Comparison unavailable. Q2 2025, reported May 9, 2025: actual 5.7B JPY, estimate —, surprise —, Comparison unavailable. Q3 2025, reported Aug 8, 2025: actual 7.15B JPY, estimate —, surprise —, Comparison unavailable. Q4 2025, reported Nov 11, 2025: actual 6.47B JPY, estimate —, surprise —, Comparison unavailable. Q1 2026, reported Feb 9, 2026: actual 7.05B JPY, estimate —, surprise —, Comparison unavailable. Q2 2026, reported May 11, 2026: actual 7.71B JPY, estimate —, surprise —, Comparison unavailable. Q3 2026, reported Aug 7, 2026: actual 7.75B JPY, estimate —, surprise —, Comparison unavailable.

Corporate actions

Annual dividends per share

Cash distributions grouped by calendar year; partial years are marked.

¥25.00

2025 complete year0.0% since 2021

2026 partial: ¥15.00

* Partial calendar year in the available dividend history.

Corporate action history

DividendUpcoming

Ex-dividend Sep 29, 2026

¥10.00

Semi-Annual

Record Sep 30, 2026 · Payment Sep 29, 2026

DividendUpcoming

Ex-dividend Mar 30, 2027

¥15.00

Semi-Annual

Record Mar 31, 2027 · Payment Mar 30, 2027

Dividend

Ex-dividend Mar 30, 2026

¥15.00

Semi-Annual

Record Mar 31, 2026 · Payment Jun 29, 2026

Dividend

Ex-dividend Sep 29, 2025

¥10.00

Semi-Annual

Record Sep 30, 2025 · Payment Dec 5, 2025

Dividend

Ex-dividend Mar 28, 2025

¥15.00

Semi-Annual

Record Mar 31, 2025 · Payment Jun 26, 2025

Dividend

Ex-dividend Sep 27, 2024

¥10.00

Semi-Annual

Record Sep 30, 2024 · Payment Dec 6, 2024

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ETFs holding 8416.T

Funds reporting this stock among their holdings, ordered by reported position size.

Dimensional - International Core Equity Market ETF logoDimensional - International Core Equity Market ETFDFAI
Market value
16.75K
Weight
0.00%
AUM
18.23B USD
Expense ratio
0.18%
Price / 1D
$43.24-0.25%
Dimensional - International Small Cap ETF logoDimensional - International Small Cap ETFDFIS
Market value
6.56K
Weight
0.00%
AUM
5.91B USD
Expense ratio
0.39%
Price / 1D
$37.445-0.27%

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